At the APEX 2025 event in Singapore, Ripple CEO Brad Garlinghouse announced that XRP could capture 14% of SWIFT's transaction volume in five years, focusing on liquidity potential.
Strategic Focus on Liquidity
Garlinghouse highlighted Ripple's strategic pivot towards liquidity solutions, distinguishing between SWIFT's two main functions: messaging and liquidity. 'There are two parts to SWIFT today: messaging and liquidity... I'm thinking less about the messaging and more about liquidity,' he stated. This approach positions XRP to compete with traditional banking liquidity networks.
Tokenized Assets and Market Positioning
At the same event, Ripple's Chief Legal Officer predicted rapid expansion in tokenized global assets, affirming that 'hundreds of billions of tokenized global assets will emerge fairly quickly.' XRP's current position as the fourth largest cryptocurrency with a $136 billion market cap supports these ambitious projections.
Market Impact and Future Outlook
The 14% volume projection carries significant implications for global finance architecture, coinciding with increasing institutional interest in cryptocurrency solutions for cross-border payments. A focus on liquidity rather than messaging infrastructure could accelerate adoption among financial institutions.
Ripple's projection of capturing 14% of SWIFT's volume within five years represents a strategically focused approach to disrupting cross-border finance.
